10(B)(25)

                  AMENDMENT TWENTY-SEVEN TO MARKETING AGREEMENT

This document is Amendment  Twenty-Seven  to the Marketing  Agreement,  made and
entered into  effective  June 1, 1993, and amended by Amendment One to Marketing
Agreement dated September 16, 1993;  Amendment Two to Marketing  Agreement dated
June 4, 1998;  Amendment Three to Marketing  Agreement dated September 25, 1998;
Amendment Four to Marketing Agreement dated October 19, 1998; and Amendment Five
to Marketing  Agreement  dated  December 15,  1998;  Amendment  Six to Marketing
Agreement dated March 25, 1999, Amendment Seven to Marketing Agreement dated May
10, 1999;  Amendment Eight to Marketing Agreement dated June 24, 1999; Amendment
Nine to Marketing  Agreement  dated August 5, 1999,  Amendment  Ten to Marketing
Agreement dated October 1, 1999,  Amendment Eleven to Marketing  Agreement dated
January 31, 2000,  Amendment Twelve to Marketing  Agreement dated March 1, 2000,
Amendment  Thirteen  to  Marketing  Agreement  dated April 19,  2000,  Amendment
Fourteen  to  Marketing  Agreement  dated July 31,  2000,  Amendment  Fifteen to
Marketing  Agreement  dated September 25, 2000,  Amendment  Sixteen to Marketing
Agreement dated October 31, 2000,  Amendment  Seventeen dated November 29, 2000,
Amendment  Eighteen to Marketing  Agreement  dated  January 24, 2001,  Amendment
Nineteen to  Marketing  Agreement  dated  March 14,  2001,  Amendment  Twenty to
Marketing  Agreement  dated  May 4,  2001,  Amendment  Twenty-One  to  Marketing
Agreement dated June 28, 2001, Amendment Twenty-Two to Marketing Agreement dated
September 4, 2001,  Amendment  Twenty-Three to Marketing Agreement dated October
11, 2001; Amendment  Twenty-Four to Marketing Agreement dated November 30, 2001;
Amendment  Twenty-Five to Marketing Agreement dated March 1, 2002; and Amendment
Twenty-Six to Marketing Agreement dated May 31, 2002, (the "Agreement"),  by and
between American  National  Insurance  Company  ("American  National"),  a Texas
corporation, and Legacy Marketing Group ("LMG"), a California corporation.

In  consideration  of mutual covenants  contained  herein,  the parties agree as
follows:

1.       Section 3.1 of the Agreement is hereby deleted in its entirety, and the
         following new Section 3.1 shall be substituted therefor:

         "3.1 Subject to  termination as  hereinafter  provided,  this Agreement
         shall  remain  in force and  effect  until  the  close of  business  on
         November 15, 2002,  the term of this  Agreement.  This Agreement may be
         renewed by mutual agreement for successive terms of one (1) year unless
         terminated  by  either  party by prior  written  notice to the other at
         least one hundred eighty (180) days prior to termination."


Except as specifically amended hereby, all terms and provisions of the Marketing
Agreement shall remain in full force and effect.




IN WITNESS HEREOF, the parties hereto have executed this Agreement.

LEGACY MARKETING GROUP                      AMERICAN NATIONAL INSURANCE COMPANY

By: /s/ R. Preston Pitts                    By: /s/ Kelly M. Wainscott

Title: President                            Title:  Vice President

Witness: /s/ Lynn Laub                      Witness: /s/ Jynx Yucra

Date: September 30, 2002                    Date: October 3, 2002